Cincinnati - Insurance companies could be required to offer equal benefits for both physical and psychological outpatient care for totally disabled employees under Title III of the Americans With Disabilities Act, according to a recent decision of the 6th U.S. Circuit Court of Appeals. The court, in an appellate decision of first impression, stopped short of ordering parity between inferior mental health benefits and more lavish payments for physical disabilities. But Judge Gilbert S. Merritt, writing for the unanimous court, held that the language of Title III of the Americans With Disabilities Act is "sufficiently broad to prohibit discrimination in the contents of insurance products. Not just physical access to insurance company offices." Ouida Sue Parker v. Metropolitan Life Insurance Co., 95-5269.